Lifecycle Manager, Emerging Markets (contract)

About this role

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

Upstart’s Growth Marketing team drives scalable, data-informed customer acquisition and engagement across our lending products. The team focuses on connecting consumers to credit through thoughtful, well-timed interactions across channels.

As the Senior Lifecycle Marketing Manager (Emerging Products) at Upstart, you will own and scale lifecycle marketing for new and growing products, including Cash Line, Upstart’s new, always-on line of credit product. You will design and optimize end-to-end customer journeys—from cross-sell and activation through retention, re-engagement, and winback—within a mobile-first experience. You may also be called on to support additional emerging products as they launch and scale.

How you’ll make an impact

• Own lifecycle strategy and execution across the full customer journey, including cross-sell, activation, retention, re-engagement, and churn winback

• Drive growth for Cash Line through mobile-first lifecycle programs, leveraging push notifications, in-app messaging, email, and SMS

• Design and optimize multi-channel journeys that improve key metrics such as conversion, engagement, retention, and revenue

• Define detailed campaign requirements, including audience segmentation, trigger logic, and channel orchestration, in partnership with Product and Engineering

• Build and execute a hypothesis-driven experimentation roadmap across lifecycle stages, and translate results into actionable insights

• Analyze performance across campaigns and lifecycle stages, and communicate results through regular reporting (weekly, monthly, quarterly) with clear insights and next-step recommendations

• Partner cross-functionally with Product, Analytics, Engineering, and Creative to improve the end-to-end customer experience

• Develop and maintain reporting frameworks and dashboards to measure lifecycle performance and inform prioritization

• Support lifecycle strategy and execution for additional emerging products as they are introduced

Minimum Qualifications

• Bachelor’s degree in Marketing, Business, Analytics, or a related field (or equivalent practical experience)

• 6-8+ years of experience in lifecycle marketing, CRM, or retention marketing roles

• Hands-on experience building and executing lifecycle campaigns using a marketing automation platform (e.g., Iterable, Braze, Salesforce Marketing Cloud)

• Experience designing and analyzing A/B or multivariate tests, including defining success metrics and interpreting results

• Proficiency in data analysis using spreadsheet tools (e.g., Excel or Google Sheets) and familiarity with BI tools (e.g., Looker, Model

Preferred Qualifications

• Experience managing lifecycle marketing across multiple stages of the customer journey (e.g., acquisition, activation, retention, winback)

• Experience designing lifecycle strategies for mobile app experiences, including push notifications and in-app messaging

• Knowledge of customer data platforms (CDPs) and event-driven marketing systems, we use Hightouch

• Ability to translate complex datasets into clear insights that inform marketing strategy

• Experience working cross-functionally with Product, Engineering, and Creative teams on campaign execution

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

This opportunity is a contractor role and is not eligible for Upstart’s employee compensation, equity, bonus, or benefits offerings.

#LI-REMOTE

#LI-MidSenior

This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.

At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bon

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